A little discussed liability coverage you may want to include in your Colorado Springs auto insurance is uninsured motorist insurance coverage. Uninsured motorist coverage is considered liability coverage. It will protect you if you are involved in an accident with someone who does not have liability insurance or does not have enough liability coverage to cover your damage.
Uninsured motorist coverage within your Colorado Springs auto insurance coverage may be three separate coverages. Uninsured motorist insurance pays for injuries, such as medical expenses and lost wages that result from an accident caused by a driver who has no insurance. Underinsured motorist insurance pays for injuries, such as medical expenses and lost wages, by a driver who has too little insurance to cover all of the injuries. Sometimes underinsured is part of the uninsured coverage. The third part is uninsured motorist property damage insurance. This will pay for damage an uninsured driver causes to your vehicle. Uninsured property damage insurance may protect your vehicle if struck by a hit-and-run driver.
Your Colorado Springs auto insurance can be as broad or limited as you need it to be. Most agents are familiar with this coverage and can tell you if it would be a benefit for you to have. In some cases it is automatically included and you could save some money by excluding the coverage. Be sure your agent is clear as to what coverages you have.